Basic Retirement Plan

401(a) Basic Retirement Plan

The University’s contributions to the 401(a) Basic Retirement Plan help eligible employees build substantial savings for their retirement years. Tufts University contributes a percentage of your salary beginning on your date of hire if you are a benefits eligible employee and at least 21 years of age. The plan is fully funded with University contributions as follows:

% of Salary Under Social Security Wage Base
% of Salary Over Social Security Wage Base
21 – 40
40 and over

  • You are automatically enrolled into the Vanguard Target Date Funds and your contributions will continue to be invested there until you indicate otherwise.
  • If you would like to keep your contributions invested with Fidelity but re-direct it to investment options other than the Vanguard Target Date Funds, simply call Fidelity at (800)-343-0860 or visit
  • If you would like some or all of your contributions to be invested with TIAA-CREF, you may log into Employee Self Service. You can refer to the “Updating your 401a” Tip Sheet. This tip sheet will walk you through the process of changing your investment elections for future contributions.

Vesting Period

Employees are 100% vested in the Basic Retirement Plan once they have completed three (3)years of eligible service.